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Stocks n Shares ISA


Daydream Believer said:
I have REIT for that


It's doing a fantastic job of keeping the public's collective interest away from the Epstein Files though.
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Off topic, apologies, but needs to be shared far and wide

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xmfd said:
I’ve got a couple grand sitting in stocks. It hasn’t dipped yet but considering taking it out now and into a savings account until the dip happens the putting it back in.
Is this a good idea?
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Inside an ISA or not?

If its not within an ISA, you can sell and there shouldn't be any tax implications - don't listen to me, get this checked by a pro.

Inside an ISA you need to keep it within that ISA wrapper or transfer it to another ISA
 
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xmfd said:
I’ve got a couple grand sitting in stocks. It hasn’t dipped yet but considering taking it out now and into a savings account until the dip happens the putting it back in.
Is this a good idea?
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You’re usually better off staying invested unless you actually need the money. Trying to jump in and out means you have to time it twice, which is really hard to get right.

Over time, markets tend to outperform savings accounts anyway, especially if you’re in diversified funds like Vanguard LifeStrategy 80/20 or a global index fund. Sitting in cash waiting for a dip often means missing gains instead.
 
Private Gomer Pyle said:
You’re usually better off staying invested unless you actually need the money. Trying to jump in and out means you have to time it twice, which is really hard to get right.

Over time, markets tend to outperform savings accounts anyway, especially if you’re in diversified funds like Vanguard LifeStrategy 80/20 or a global index fund. Sitting in cash waiting for a dip often means missing gains instead.
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This. Timing the markets is notoriously hard and if you miss just a few key trading days it can null a lot of your long term growth.... Unless you donate some money to Trump and get daily intelligence briefings for some insider trading.
 
xmfd said:
I’ve got a couple grand sitting in stocks. It hasn’t dipped yet but considering taking it out now and into a savings account until the dip happens the putting it back in.
Is this a good idea?
Click to expand...

For a couple of grand it's unlikely to make much difference especially if you include trading fees. Usually better just to ride the dip out and hope it doesn't last for long. People were panicking this time last year when Trump announced his tariffs but 2025 turned out to be a very good year. So far this year, the markets are only really back to where they were at the end of January.
 
Just a question about pensions, I've got a SIPP with Invest Engine which was managed by them but they've now said it needs to be self managed. They've transferred it into a iShares Moderate Portfolio (MAMG).

It's not an ETF I'm familiar with - is this an okay ETF for pensions or is there a generally more recommended one?

Also is there a calculation where an increasing % should be put in lower risk funds (and which are recommended) as you get to 50 / 55 / 60 / 65...?
 
mine is still just in an ISA savings account as i have no idea what to invest in.

When I look at the Vanguard S&P500 in T212 its at the same level it was in September, so would have been half a year with no growth at all.
 
Alchemist said:
Just a question about pensions, I've got a SIPP with Invest Engine which was managed by them but they've now said it needs to be self managed. They've transferred it into a iShares Moderate Portfolio (MAMG).

It's not an ETF I'm familiar with - is this an okay ETF for pensions or is there a generally more recommended one?

Also is there a calculation where an increasing % should be put in lower risk funds (and which are recommended) as you get to 50 / 55 / 60 / 65...?
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Just looked it up and it is heavy on bonds (55%).

They also so a growth version of the portfolio MAGG which us 75% equities, 25% bonds

Many people move into bonds as they approach retirement but the exact percentage will depend on your attitude to risk and your plans for retirment.

This may be useful:
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Shambo said:
mine is still just in an ISA savings account as i have no idea what to invest in.

When I look at the Vanguard S&P500 in T212 its at the same level it was in September, so would have been half a year with no growth at all.
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Half a year is generally not enough time to achieve any stable gains. The general rule of thumb appears to be that you should be locking it away for 5 years or so if you're looking for S+S growth.

If you're likely to need the money sooner then put it somewhere else.
 
Darlo1973 said:
Just looked it up and it is heavy on bonds (55%).

They also so a growth version of the portfolio MAGG which us 75% equities, 25% bonds

Many people move into bonds as they approach retirement but the exact percentage will depend on your attitude to risk and your plans for retirment.

This may be useful:
You must be logged on to see external links
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That's great, thanks for the response and the link too, I remember reading something about the Rule of 110 but couldn't exactly remember the calculation.

The 55% bonds is a little too safe for me at the moment, so it might be helpful to transfer a % to the MAGG or an equities ETF to get a more appropriate balance.
 
Shambo said:
mine is still just in an ISA savings account as i have no idea what to invest in.

When I look at the Vanguard S&P500 in T212 its at the same level it was in September, so would have been half a year with no growth at all.
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It did grow, just events of the last few weeks have made it drop again.
 
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